Price
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Smart Score
Below averageUpstart is the leading artificial intelligence (“AI”) lending marketplace. We aim to radically reduce the cost and complexity of borrowing for all Americans by using our proprietary AI models to remake the entire lending process. Founded in 2012, Upstart’s marketplace supports unsecured and secured credit products, such as personal loans, auto loans, and home equity lines of credit (“HELOCs”). Long-term, our vision is to become the always-on, everything-store for credit, where we can automatically approve borrowers at the right prices – instantly and effortlessly.
In the company’s own words · 10-K filed Feb 10, 2026 · SEC EDGAR
Business segments
Q3 2023 · $158.0MThe company’s own SEC segment disclosure.
- Platform And Referral Fees Net$112.4M71%
- Servicing Fees Net$34.3M22%
- Borrower Fees$7.2M5%
- Collection Agency Fees$4.0M3%
Upstart Holdings, Inc. (UPST) reported revenue of $308M in Q1 2026 (quarter ended March 31, 2026), up 44% from the same quarter a year earlier. That came with net loss of $6.6M. For the full year FY2025, revenue was $1.04B (+64% year on year) and net income $54M. Its largest product in 2023-Q3 was Platform And Referral Fees Net at $112M, 71% of the disclosed total, just ahead of Servicing Fees Net at 22%.
Raw charts
9 series · TTMAs reported to the SEC, without any scoring.